Call reports 2005
UNITED BANK & TRUST CO. — 2005
What UNITED BANK & TRUST CO. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 97,187,000 | 92,380,000 | 96,770,000 | 95,355,000 |
| Total loans | 49,940,000 | 52,122,000 | 56,407,000 | 57,139,000 |
| Allowance for loan losses | 680,000 | 724,000 | 787,000 | 839,000 |
| Securities available for sale | 35,531,000 | 35,774,000 | 36,741,000 | 34,358,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,403,000 | 79,723,000 | 82,348,000 | 79,265,000 |
| Interest-bearing deposits | 80,223,000 | 77,253,000 | 79,858,000 | 75,596,000 |
| Noninterest-bearing deposits | 2,180,000 | 2,470,000 | 2,490,000 | 3,669,000 |
| Equity capital | 7,151,000 | 7,473,000 | 7,337,000 | 7,236,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,008,000 | 2,070,000 | 3,197,000 | 4,377,000 |
| Interest expense | 528,000 | 1,147,000 | 1,829,000 | 2,592,000 |
| Net interest income | 480,000 | 923,000 | 1,368,000 | 1,785,000 |
| Noninterest income | 58,000 | 115,000 | 178,000 | 260,000 |
| Noninterest expense | 426,000 | 867,000 | 1,298,000 | 1,753,000 |
| Provision for loan losses | 45,000 | 90,000 | 164,000 | 209,000 |
| Pretax income | 83,000 | 97,000 | 100,000 | 24,000 |
| Income tax | -2,000 | -23,000 | -49,000 | -102,000 |
| Net income | 85,000 | 120,000 | 149,000 | 126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,619,000 | 7,670,000 | 7,687,000 | 7,715,000 |
| Total capital | 8,299,000 | 8,394,000 | 8,474,000 | 8,533,000 |
| Risk-weighted assets | 62,936,000 | 62,296,000 | 64,021,000 | 65,414,000 |